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AARP Hartford Auto Insurance Review

Fran
Fran Majidi April 8, 2021

If you’re 50 or older you may know AARP, but did you know that the Hartford’s insurance for AARP members is tailored for this demographic? AARP began in 1958 as a nonprofit membership organization for 50+ individuals. The AARP Auto Insurance Program from The Hartford has been around since 1984 and is only offered to AARP members. You’ll need car insurance regardless of where you live, but your geographic location will determine how much insurance you need and how much it'll cost.

Hartford auto insurance is not necessarily the most cost effective option. Allstate and State Farm are just two insurers that have lower rates on average. However, AARP members get unique coverage options for the older driver as well as other appealing offerings, like accident forgiveness and a disappearing deductible. If you’re an AARP member or are thinking of becoming one, it makes sense to consider AARP auto insurance. Let us tell you a little bit about AARP auto insurance before you compare auto insurance quotes to see if it’s the best fit.

Here's more about AARP auto insurance before you make a decision.

How Are My Rates Determined for Auto Insurance?

Your AARP auto insurance rate will be determined by your driving history, your vehicle, the deductible amount, how many miles you drive in a year, coverage limits, your claims history, your zip code, credit score, your vehicle’s age and more. AARP does not take your age into account, whereas other insurers will. However, that doesn’t mean that you can’t beat their auto insurance prices. To know for sure, it’s best to compare auto insurance rates.

Is AARP Hartford Auto Insurance Good?

The Hartford ranks among the best for auto insurance shopping. It rates about average for auto insurance claims satisfaction. The Hartford (AARP) ranked sixth out of 20 insurers reviewed in J.D. Power’s 2019 Auto Claims Satisfaction Study. According to NAIC’s Complaint Index The Hartford (AARP) had fewer complaints than most auto insurance companies of its size. A.M rated The Hartford an A+ for financial strength.

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What Auto Insurance Coverage Options Are Available from The Hartford?

Liability, Collision and Comprehensive

Liability insurance, which helps with costs when you’re responsible for a car accident that causes injury, damages and even death. Collision insurance covers you if you’re in an accident with another driver or an object. Collision pays for damages to your car, and my cover rollovers or if someone collides with your parked car. Comprehensive insurance is for all non-collision accidents and can pay for damages from accidents with animals, natural disasters, vandalism, theft, fire or falling objects. In addition to full coverage, there are other coverage options like uninsured/underinsured motorist.

New Car Replacement

In addition to liability coverage, collision and comprehensive coverage, The Hartford offers New Car Replacement coverage, which will pay to replace your car with one of the same make, model and equipment if you’re in an accident. The benefit of this coverage is that New Car Replacement does not calculate depreciation of the car you totalled so you get more.

RecoverCare

RecoverCare is another beneficial coverage The Hartford offers older Americans who may need assistance after an accident. RecoverCare coverage will reimburse you for chores like house cleaning, lawn maintenance, snow removal, transportation (even when you’re unable to drive and need alternative forms of transport), food preparation and even for walking your dog!

LifeTime Car Repair Assurance

LifeTime Car Repair Repair is another unique coverage option which allows you to select from over 1600 trusted providers if your car needs repair. No more wondering if you’re being billed too much! You also get $100 off your collision deductible if you use a Hartford-authorized repair shop.

Auto Insurance Claims Hotline

A 24/7 car insurance claims hotline is another selling point for buying car insurance from The Hartford. Your claim can get a response at any time and immediately. Fortunately, customer satisfaction ratings are high for The Hartford AARP auto insurance, too. However, there are a considerable number of complaints for an insurer its size.

12-Month Auto Insurance Rate Protection

This option at The Hartford locks your premium at the same rate for a full year rather than the customary six-month period. This is a useful coverage because it prevents sudden rate hikes. For people on a fixed income, it’s nice to know how to balance a budget for a full year.

The Hartford One Deductible Policy

If you’re in an accident involving two vehicles insured by The Hartford, you will only pay the higher deductible. The same policy applies to customers who bundle home and auto.

Emergency Expense Coverage

You’ll get $1,000 to cover expenses like temporary lodgings if you’re 100 miles away from home or more when your car breaks down.

What Other Coverages Does AARP Auto Insurance Offer?

  • Medical Payments
  • Personal injury protection
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage

Does AARP Hartford Have Accident Forgiveness?

Yes, if all drivers on a single car insurance policy have a clean driving record for five years, they qualify for accident forgiveness. This means that your first car accident won’t raise your rates.

Does AARP Hartford Have a Disappearing Deductible for Auto Insurance?

Yes, if you have collision insurance on your car and you avoid accidents, your collision deductible will decrease each year that you keep your driving record clean.

Does Hartford Auto Insurance Include 24/7 Roadside Assistance?

The Hartford has a roadside assistance service in case you have a roadside emergency, like a flat tire, a lockout or a dead battery. There is also a towing service for anyone who is an AARP member with Hartford auto insurance.

Insurance Coverage Options Offered by the Program from the Hartford:

  • Car Insurance
  • Classic Car Insurance
  • RV Insurance
  • ATV Insurance
  • Boat Insurance
  • Golf Cart Insurance
  • Snowmobile Insurance’
  • Home Insurance
  • Flood Insurance
  • Umbrella Insurance
  • Commercial Auto Insurance
  • Business Insurance
  • Condo Insurance

If you own two or more vehicles or if you buy other insurance products in addition to auto insurance, you may qualify for a multi-policy. Bundle discount for auto and home are part the auto insurance program from the Hartford.

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9 Auto Insurance Discounts AARP Offers in the Hartford Auto Insurance Program

  • Bundling Discounts
  • Multi-vehicle Discounts
  • Green Vehicle Discounts
  • Young Driver Training Discounts
  • Multi-airbags Discounts
  • Good Student Discounts
  • Pay-in-Full Discounts
  • Defensive Driver Training Discounts
  • Anti-theft Devices Discounts

Is AARP Hartford Homeowners Insurance Good?

According to J.D. Power, The Hartford ranks above average for homeowners insurance. It ranks above average for property claims, outdoing many other insurance companies. A combined home and auto insurance policy may also save you extra money.

AARP Hartford Insurance Home Advantage Package

There are many pluses about bundling home and auto and the has the following features:

Personal injury liability coverage. Like most standard home policies, you’ll have personal injury liability coverage. This helps pay for damages from a libel or slander claim.

New for Old Protection. You can replace your damaged items with new ones, regardless of its age or condition.

Lock Replacement Reimbursement. You’ll be paid up to $500 for replacing a lock if a key is lost or stolen. There is a $100 deductible.

Identity Fraud Protection. This pays for expenses up to $25,000 so you can recover from damages from identity or fraud theft. It may cover lost income or attorney fees.

Disappearing Property Deductible. Your deductible will be reduced $50 every three years that you are claims-free!

AARP Hartford's The Home Advantage Plus Package

This package has a higher limit of $50,000 for identity theft protection expenses. You also get equipment breakdown coverage which will pay for repair or replacement of appliances and electronics up to 125% of the cost of replacement or for a green upgrade. It also includes:

ProtectorPlus Zero Deductible. If you make a claim of $27,000 or more, your deductible up to $5,000 is waived.

Green Rebuilding. Use more environmentally friendly materials for repairs and you can increase your limit by 10%.

Assisted Living Care Coverage. Your belongings are not the only thing this coverage protects. You are also covered for liability and additional living expenses if a relative is in an assisted living care facility.

Replacement Plus Coverage. Your costs are covered if you make your home’s kitchen and/or bathroom safer with upgrades.

Water Backup and Sump Pump Overflow. This coverage will reimburse you if your home is damaged by backed-up water or overflow from a sump pump.

Scheduled Personal Property. You will be covered 100% for each itemized piece of property if it is damaged or destroyed. You’ll need to appraise each item prior to scheduling.

Valuable Items Blanket Coverage. This coverage raises the limit for what you are reimbursed for items like jewelry and furs if they are stolen, lost or damaged. You will be covered up to $10,000 for each item.

Hartford Insurance Homeowners Insurance Discounts

Yes, here are some of the most popular discounts for the homeowner program from The Hartford:

  • AARP Membership Discount
  • Bundling Discount
  • Home Security Discount
  • Fire Protection Devices Discount
  • New Home Discount
  • Claims-Free Discount
  • Working Fewer than 24 Hours a Week Discount
  • Four Consecutive Renewals Discount

AARP Customer Reviews

AARP auto insurance gets above average reviews for auto and home bundles, first accident forgiveness, disappearing deductible and an easy claims process. Because the auto insurance program was designed for seniors, AARP members see considerable savings. If you’d like an auto insurance quote, enter your zip code below to see what AARP auto insurance and other companies have to offer you at the lowest prices available.

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